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Kemp v. Mutual of Omaha Insurance

Citations: 134 N.W.2d 696; 375 Mich. 359; 1965 Mich. LEXIS 270Docket: Calendar 76, Docket 50,659

Court: Michigan Supreme Court; May 10, 1965; Michigan; State Supreme Court

Narrative Opinion Summary

This case involves an appeal by the defendant, Mutual of Omaha Insurance Company, against a jury verdict in favor of the plaintiff, who sought benefits for total and partial disability under two health and accident policies. The plaintiff claimed disability due to an injury on April 20, 1961, while the defendant contested this, arguing lack of continuous disability, sickness rather than injury as the cause, and improper notification. The jury awarded the plaintiff $4,700, prompting the defendant to appeal on grounds including insufficient evidence, non-compliance with notice requirements, and improper inclusion of testimony regarding workmen's compensation. The court found no reversible error, concluding that the jury's decision was supported by the evidence and upholding the verdict. The court also addressed procedural questions related to the admissibility of evidence and the compliance with policy notification terms. Ultimately, the defendant's contentions were rejected, and the judgment in favor of the plaintiff was affirmed, awarding costs to the plaintiff.

Legal Issues Addressed

Admissibility and Impact of Evidence

Application: Testimony regarding workmen's compensation benefits was contested, but the court ruled that its introduction did not result in reversible error.

Reasoning: The court allowed Kemp to clarify that she later received workmen's compensation benefits, ruling this did not constitute reversible error.

Determination of Disability Cause

Application: The case hinged on whether the plaintiff's disability was due to sickness or an accidental injury on April 20, 1961, with sufficient evidence needed for the jury to decide the cause.

Reasoning: The key legal question revolves around whether the plaintiff's disability stemmed from sickness or from the alleged accident on April 20, 1961.

Insurance Policy Notification Requirements

Application: The court evaluated whether the plaintiff complied with the insurance policy's requirement to report an injury within 20 days, acknowledging the submission of a disability report that addressed the incident.

Reasoning: The defendant also claimed that plaintiff did not adhere to the policy's notification requirement to report an injury within 20 days. However, plaintiff filed a disability report in July 1961, indicating her injury occurred on April 20, 1961.

Jury Verdict and Appeals

Application: The court upheld the jury's verdict, finding it not against the overwhelming weight of the evidence, favoring the plaintiff's evidence on appeal.

Reasoning: The court noted that appeals favor the plaintiff's evidence. The overall verdict and judgment favoring the plaintiff were upheld, with the court concluding that the jury's verdict was not against the overwhelming weight of the evidence.